The only thing I can figure is it must be my allowed bandwidth is much less and 10mbps is for the whole apartment building (Free internet).

I know it's a little late but when I am at work I get on the nets via a hot spot kind of like you and if I try and download anything bigger then a web page it lags all the time and freezes even with a 100+ Mbps connection. Sounds like you're having the same issue.